Knock For Knock Agreement

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Knock-for-Knock Agreement

A knock-for-knock agreement is a common insurance arrangement between vehicle insurers. It means each driver pays for their own damages after an accident—no blame, no hassle, and faster claim processing.

How Does a Knock-for-Knock Agreement Work?

  • No fault assignment: Insurers agree not to dispute liability.
  • Quick repairs: You can get your vehicle fixed faster without waiting on legal processes.
  • Reduce paperwork: Your insurer handles your claim directly.
  • Still pay your excess: You pay your agreed excess, and your insurer covers the rest.

Who Benefits from Knock-for-Knock?

  • Drivers with comprehensive car insurance—regardless of who is at fault
  • Insurers—by reducing legal costs and speeding up settlements
  • Body shops and repair centres—through faster approvals and repair authorisations

Pros and Cons Explained

Benefits

  • Faster vehicle repairs and claim resolutions
  • Less administrative work for you
  • No need to gather fault evidence or get police reports

Considerations

  • You still pay your excess, even if you're not at fault
  • Your no-claim bonus may be affected by the claim
  • Not all insurers offer knock-for-knock agreements—confirm before you sign

How to Choose a Policy with Knock-for-Knock

  • Ask if knock-for-knock is included in your comprehensive car insurance
  • Compare insurers, as not every provider offers this benefit
  • Check excess amounts and how a claim impacts your no-claim bonus

Fast, Fair Claims with Knock-for-Knock

With a knock-for-knock agreement, you avoid delays and disputes—get your car repaired efficiently and move on. It’s about convenience, speed, and fewer headaches when accidents happen.